Tax Planning - Keep More of What You Earn
Why Tax Planning Is Critical
Taxes don’t disappear in retirement—they often grow more complicated. Without a clear plan, retirees in Springfield and Dayton may pay more than necessary. As part of our retirement tax planning, Schuler Financial Group builds strategies to reduce your lifetime tax burden and keep your income steady.
Smart Tax Strategies
We help clients make tax-efficient decisions that improve long-term results:
Designing withdrawal strategies to minimize bracket creep.
Considering Roth conversions to build future tax-free income.
Placing investments in the appropriate accounts for better tax efficiency.
Planning for capital gains when selling property or large investments.
Using charitable distributions from IRAs to offset taxes.
Managing Retirement Income & Taxes
From Social Security benefits to required minimum distributions, every income source carries tax implications. We help you time withdrawals, reduce taxable income spikes, and even manage Medicare premium thresholds.
Tax Planning and Your Legacy
Passing retirement accounts to heirs now comes with a 10-year withdrawal rule. Our team helps structure distributions to reduce the tax hit on your children and ensure your legacy is preserved. This often ties closely with estate planning strategies for families across Clark County.